{"id":1365,"date":"2023-04-18T18:30:07","date_gmt":"2023-04-18T17:30:07","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1365"},"modified":"2023-06-15T09:41:31","modified_gmt":"2023-06-15T08:41:31","slug":"typy-zivotniho-pojisteni-s-jakymi-se-na-trhu-setkate","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/typy-zivotniho-pojisteni-s-jakymi-se-na-trhu-setkate\/","title":{"rendered":"Typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed: s jak\u00fdmi se na trhu setk\u00e1te?"},"content":{"rendered":"\n<p>P\u0159em\u00fd\u0161l\u00edte o nov\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, nebo chcete aktualizovat starou smlouvu? Pak v\u00e1s pravd\u011bpodobn\u011b \u010dek\u00e1 pr\u016fzkum trhu a nejr\u016fzn\u011bj\u0161\u00edch nab\u00eddek. Poj\u010fte se s n\u00e1mi proto pod\u00edvat, jak\u00e9 typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed objev\u00edte a jak\u00e9 jsou mezi nimi rozd\u00edly.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-kapit-lov-ivotn-poji-t-n\">Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-investi-n-ivotn-poji-t-n\">Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-rizikov-ivotn-poji-t-n\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kalkula-ka-ivotn-ho-poji-t-n\">Kalkula\u010dka \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nechte-si-vybrat-nejlep-ivotn-poji-t-n\">Nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed p\u0159\u00edmo pro v\u00e1s<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kapit-lov-ivotn-poji-t-n\"><strong>Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Tento typ kombinuje <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-pro-pripad-umrti-nebo-vazne-nemoci\/\">poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/a> a do\u017eit\u00ed s rezervotvornou slo\u017ekou. U rezervotvorn\u00e9 slo\u017eky v\u00e1m obvykle poji\u0161\u0165ovna <strong>garantuje ur\u010dit\u00fd v\u00fdnos<\/strong>, kter\u00fd ale b\u00fdv\u00e1 velmi n\u00edzk\u00fd. Do toho nav\u00edc vstupuj\u00ed poplatky, kter\u00e9 maj\u00ed na zhodnocen\u00ed tak\u00e9 podstatn\u00fd vliv. Krom\u011b toho nem\u016f\u017eete m\u011bnit pojistn\u00e9 \u010d\u00e1stky ani vyb\u00edrat pen\u00edze b\u011bhem trv\u00e1n\u00ed smlouvy.<\/p>\n\n\n\n<p>Abychom ale nebyli jen negativn\u00ed, za v\u00fdhodu m\u016f\u017eeme naopak pova\u017eovat garantovanou pojistnou \u010d\u00e1stku pro p\u0159\u00edpad smrti a garantovanou pojistnou \u010d\u00e1stku pro p\u0159\u00edpad do\u017eit\u00ed. Nav\u00edc se d\u00e1 u tohoto \u017eivotn\u00edho poji\u0161t\u011bn\u00ed uplatnit i sleva na dani 24 tis\u00edc K\u010d ro\u010dn\u011b.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u\u017e ale poji\u0161\u0165ovny v podstat\u011b nenab\u00edz\u00ed. <strong>Postupn\u011b ho nahradilo investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-investi-n-ivotn-poji-t-n\"><strong>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Pokud chcete v jednom produktu zkombinovat poji\u0161t\u011bn\u00ed a investice, tento typ bude va\u0161e volba. Investujete do fond\u016f nebo strategi\u00ed, kter\u00e9 v\u00e1m va\u0161e pen\u00edze zaj\u00edmav\u011b zhodnot\u00ed. Myslete ale na to, \u017ee jde st\u00e1le o poji\u0161t\u011bn\u00ed \u2013 <strong>s klasick\u00fdmi investicemi do akci\u00ed, pod\u00edlov\u00fdch fond\u016f nebo dluhopis\u016f se tedy v tomto ohledu nem\u016f\u017ee rovnat<\/strong>. Zapo\u010d\u00edtat mus\u00edte nav\u00edc tak\u00e9 poplatky a zdan\u011bn\u00ed zisku ze \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Co investi\u010dn\u00ed <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed a slevy na dani<\/strong>? Stejn\u011b jako u kapit\u00e1lov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, i tady si od da\u0148ov\u00e9ho z\u00e1kladu ode\u010dtete 24 tis\u00edc K\u010d ro\u010dn\u011b. Krom\u011b toho v\u00e1m na poji\u0161t\u011bn\u00ed <strong>m\u016f\u017ee p\u0159isp\u00edvat zam\u011bstnavatel<\/strong>, a to a\u017e 50 tis\u00edc K\u010d za rok. Sta\u010d\u00ed, kdy\u017e m\u00e1te smlouvu alespo\u0148 na 5 let a plat\u00ed v\u00e1m minim\u00e1ln\u011b do dovr\u0161en\u00ed 60 let.<\/p>\n\n\n\n<p>Pen\u00edze, kter\u00e9 prost\u0159ednictv\u00edm tohoto poji\u0161t\u011bn\u00ed investujete, ale nem\u016f\u017eete vybrat, dokud v\u00e1m plat\u00ed smlouvu. \u010cekalo by v\u00e1s toti\u017e zp\u011btn\u00e9 <strong>dodan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed za posledn\u00edch 10 let<\/strong>. A to asi nikdo z n\u00e1s nechce. Stejn\u00fd postup ale nast\u00e1v\u00e1 i p\u0159i v\u00fdpov\u011bdi \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, tak si na to dejte pozor.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/KO7k9Y2KqEM\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-rizikov-ivotn-poji-t-n\"><strong>Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Jestli\u017ee je va\u0161\u00edm c\u00edlem co nejl\u00e9pe pokr\u00fdt pojistn\u00e1 rizika, budete si pravd\u011bpodobn\u011b vyb\u00edrat z nab\u00eddky rizikov\u00fdch \u017eivotn\u00edch poji\u0161t\u011bn\u00ed. Oproti p\u0159edchoz\u00edm druh\u016fm poji\u0161t\u011bn\u00ed jde o<strong> nejm\u00e9n\u011b komplikovan\u00fd produkt<\/strong>. \u017d\u00e1dn\u00e9 investice, jednoduch\u00e9 sjedn\u00e1n\u00ed, ale tak\u00e9 \u017e\u00e1dn\u00e9 slevy na dani ani p\u0159\u00edsp\u011bvky zam\u011bstnavatele.<\/p>\n\n\n\n<p>Ve\u0161ker\u00e9 platby jdou v\u00fdhradn\u011b na <strong>poji\u0161t\u011bn\u00ed vybran\u00fdch rizik<\/strong>. Jedn\u00e1 se tedy o poji\u0161t\u011bn\u00ed, kter\u00e9 pln\u00ed sv\u016fj prim\u00e1rn\u00ed \u00fa\u010del \u2013 ochr\u00e1nit v\u00e1s v n\u00e1ro\u010dn\u00fdch \u017eivotn\u00edch situac\u00edch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kalkula-ka-ivotn-ho-poji-t-n\"><strong>Kalkula\u010dka \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>St\u00e1le si nejste jist\u00ed, jak\u00e9 poji\u0161t\u011bn\u00ed si m\u016f\u017eete sjednat? Vyzkou\u0161ejte na\u0161i online <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">kalkula\u010dku \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>. Je \u00fapln\u011b zdarma a b\u011bhem n\u011bkolika chvil v\u00e1m uk\u00e1\u017ee va\u0161e mo\u017enosti. Jednodu\u0161e vypln\u00edte z\u00e1kladn\u00ed \u00fadaje, jako je v\u00e1\u0161 v\u011bk, p\u0159\u00edjem nebo po\u010det d\u011bt\u00ed. O zbytek se u\u017e postar\u00e1me my.<\/p>\n\n\n<p><iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\" affiliate=\"123456\"><\/iframe><\/p>\n\n\n<p>Pokud se v oblasti poji\u0161t\u011bn\u00ed denn\u011b nepohybujete, m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u011b se v nab\u00eddce vyznat. Od toho tu ale jsou <strong>na\u0161i zku\u0161en\u00ed poradci<\/strong>. Sta\u010d\u00ed, kdy\u017e si u n\u00e1s <a href=\"https:\/\/www.fingo.cz\/kontakty\">sjedn\u00e1te sch\u016fzku<\/a>, a r\u00e1di v\u00e1m se v\u0161\u00edm pom\u016f\u017eeme. Vybereme to <strong>nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> p\u0159\u00edmo pro v\u00e1s a provedeme v\u00e1s cel\u00fdm procesem uzav\u0159en\u00ed smlouvy.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159em\u00fd\u0161l\u00edte o nov\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, nebo chcete aktualizovat starou smlouvu? Pak v\u00e1s pravd\u011bpodobn\u011b \u010dek\u00e1 pr\u016fzkum trhu a nejr\u016fzn\u011bj\u0161\u00edch nab\u00eddek. Poj\u010fte se s n\u00e1mi proto pod\u00edvat, jak\u00e9 typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed objev\u00edte a jak\u00e9 jsou mezi nimi rozd\u00edly. Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Tento typ kombinuje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti a do\u017eit\u00ed s rezervotvornou slo\u017ekou. U rezervotvorn\u00e9 slo\u017eky v\u00e1m obvykle poji\u0161\u0165ovna garantuje ur\u010dit\u00fd v\u00fdnos, kter\u00fd ale b\u00fdv\u00e1 velmi n\u00edzk\u00fd. Do toho nav\u00edc vstupuj\u00ed poplatky, kter\u00e9 maj\u00ed na zhodnocen\u00ed tak\u00e9 podstatn\u00fd vliv. Krom\u011b toho nem\u016f\u017eete m\u011bnit pojistn\u00e9 \u010d\u00e1stky ani vyb\u00edrat pen\u00edze b\u011bhem trv\u00e1n\u00ed smlouvy. Abychom ale nebyli jen negativn\u00ed, za v\u00fdhodu m\u016f\u017eeme naopak pova\u017eovat garantovanou pojistnou \u010d\u00e1stku pro p\u0159\u00edpad smrti a garantovanou pojistnou \u010d\u00e1stku pro p\u0159\u00edpad do\u017eit\u00ed. Nav\u00edc se d\u00e1 u tohoto \u017eivotn\u00edho poji\u0161t\u011bn\u00ed uplatnit i sleva na dani 24 tis\u00edc K\u010d ro\u010dn\u011b. Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u\u017e ale poji\u0161\u0165ovny v podstat\u011b nenab\u00edz\u00ed. Postupn\u011b ho nahradilo investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Pokud chcete v jednom produktu zkombinovat poji\u0161t\u011bn\u00ed a investice, tento typ bude va\u0161e volba. Investujete do fond\u016f nebo strategi\u00ed, kter\u00e9 v\u00e1m va\u0161e pen\u00edze zaj\u00edmav\u011b zhodnot\u00ed. Myslete ale na to, \u017ee jde st\u00e1le o poji\u0161t\u011bn\u00ed \u2013 s klasick\u00fdmi investicemi do akci\u00ed, pod\u00edlov\u00fdch fond\u016f nebo dluhopis\u016f se tedy v tomto ohledu nem\u016f\u017ee rovnat. Zapo\u010d\u00edtat mus\u00edte nav\u00edc [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1367,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[71,28,72],"class_list":["post-1365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-investicni-zivotni-pojisteni","tag-petr-motacek","tag-rizikove-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>S jak\u00fdm typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se setk\u00e1te? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Ne\u017e uzav\u0159ete novou smlouvu, seznamte se s typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. 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